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ANAT

American National GroupNasdaqGS:ANAT Stock Report

Market Cap

US$5.1b

7D

0.05%

1Y

185.7%

Updated

23 Sep, 2021

Data

Company Financials
ANAT fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance5/6
Financial Health3/6
Dividends4/6

ANAT Overview

American National Group, Inc. provides life insurance, annuities, property and casualty insurance, health insurance, credit insurance, and pension products in the United States, the District of Columbia, and Puerto Rico.

Rewards

Trading at 31.1% below our estimate of its fair value

Earnings grew by 245.5% over the past year

Pays a reliable dividend of 1.73%

Risk Analysis

No risks detected for ANAT from our risk checks.

American National Group Competitors

American International Group

NYSE:AIG

US$45.9b

Hartford Financial Services Group

NYSE:HIG

US$23.9b

Assurant

NYSE:AIZ

US$9.4b

Horace Mann Educators

NYSE:HMN

US$1.6b

Price History & Performance

Summary of all time highs, changes and price drops for American National Group
Historical stock prices
Current Share PriceUS$190.06
52 Week HighUS$66.04
52 Week LowUS$195.89
Beta0.83
1 Month Change-0.89%
3 Month Change29.73%
1 Year Change185.72%
3 Year Change47.85%
5 Year Change58.13%
Change since IPO459.00%

Recent News & Updates

Shareholder Returns

ANATUS InsuranceUS Market
7D0.05%-0.6%-0.5%
1Y185.7%42.4%37.5%

Return vs Industry: ANAT exceeded the US Insurance industry which returned 40.9% over the past year.

Return vs Market: ANAT exceeded the US Market which returned 36.2% over the past year.

Price Volatility

Is ANAT's price volatile compared to industry and market?
ANAT volatility
ANAT Beta0.83
Industry Beta0.97
Market Beta1

Stable Share Price: ANAT is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: ANAT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19054,600Jim Pozzihttps://www.americannational.com

American National Group, Inc. provides life insurance, annuities, property and casualty insurance, health insurance, credit insurance, and pension products in the United States, the District of Columbia, and Puerto Rico. It offers whole life, term life, universal life, variable universal life, and credit life insurance products. The company also provides deferred, single premium immediate, and variable annuity products; and medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance products.

American National Group Fundamentals Summary

How do American National Group's earnings and revenue compare to its market cap?
ANAT fundamental statistics
Market CapUS$5.11b
Earnings (TTM)US$875.55m
Revenue (TTM)US$4.47b

5.8x

P/E Ratio

1.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ANAT income statement (TTM)
RevenueUS$4.47b
Cost of RevenueUS$2.87b
Gross ProfitUS$1.60b
ExpensesUS$720.54m
EarningsUS$875.55m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)32.58
Gross Margin35.72%
Net Profit Margin19.59%
Debt/Equity Ratio2.2%

How did ANAT perform over the long term?

See historical performance and comparison

Dividends

1.7%

Current Dividend Yield

10%

Payout Ratio

Valuation

Is American National Group undervalued compared to its fair value and its price relative to the market?

31.1%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: ANAT ($190.06) is trading below our estimate of fair value ($275.7)

Significantly Below Fair Value: ANAT is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: ANAT is good value based on its PE Ratio (5.8x) compared to the US Insurance industry average (9.5x).

PE vs Market: ANAT is good value based on its PE Ratio (5.8x) compared to the US market (17.7x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ANAT's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: ANAT is good value based on its PB Ratio (0.8x) compared to the US Insurance industry average (1.1x).


Future Growth

How is American National Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

0.8%

Forecasted Insurance industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as American National Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has American National Group performed over the past 5 years?

21.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: ANAT has high quality earnings.

Growing Profit Margin: ANAT's current net profit margins (19.6%) are higher than last year (7.2%).


Past Earnings Growth Analysis

Earnings Trend: ANAT's earnings have grown significantly by 21.7% per year over the past 5 years.

Accelerating Growth: ANAT's earnings growth over the past year (245.5%) exceeds its 5-year average (21.7% per year).

Earnings vs Industry: ANAT earnings growth over the past year (245.5%) exceeded the Insurance industry 76%.


Return on Equity

High ROE: ANAT's Return on Equity (13%) is considered low.


Financial Health

How is American National Group's financial position?


Financial Position Analysis

Short Term Liabilities: ANAT's short term assets ($2.4B) do not cover its short term liabilities ($3.4B).

Long Term Liabilities: ANAT's short term assets ($2.4B) do not cover its long term liabilities ($20.2B).


Debt to Equity History and Analysis

Debt Level: ANAT's debt to equity ratio (2.2%) is considered satisfactory.

Reducing Debt: ANAT's debt to equity ratio has reduced from 3% to 2.2% over the past 5 years.

Debt Coverage: ANAT's debt is well covered by operating cash flow (233.9%).

Interest Coverage: Insufficient data to determine if ANAT's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

What is American National Group current dividend yield, its reliability and sustainability?

1.73%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: ANAT's dividend (1.73%) is higher than the bottom 25% of dividend payers in the US market (1.35%).

High Dividend: ANAT's dividend (1.73%) is low compared to the top 25% of dividend payers in the US market (3.63%).


Stability and Growth of Payments

Stable Dividend: ANAT's dividends per share have been stable in the past 10 years.

Growing Dividend: ANAT's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (10.1%), ANAT's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.4yrs

Average management tenure


CEO

Jim Pozzi (70 yo)

6.33yrs

Tenure

US$8,493,723

Compensation

Mr. James Edward Pozzi, also known as Jim, has been the President of American National Group, Inc. (formerly known as American National Insurance Company (formerly known as American National Group Inc)). s...


CEO Compensation Analysis

Compensation vs Market: Jim's total compensation ($USD8.49M) is above average for companies of similar size in the US market ($USD6.46M).

Compensation vs Earnings: Jim's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: ANAT's management team is seasoned and experienced (12.4 years average tenure).


Board Members

Experienced Board: ANAT's board of directors are considered experienced (7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

American National Group, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: American National Group, Inc.
  • Ticker: ANAT
  • Exchange: NasdaqGS
  • Founded: 1905
  • Industry: Multi-line Insurance
  • Sector: Insurance
  • Market Cap: US$5.107b
  • Shares outstanding: 26.88m
  • Website: https://www.americannational.com

Number of Employees


Location

  • American National Group, Inc.
  • One Moody Plaza
  • Galveston
  • Texas
  • 77550-7999
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/23 22:55
End of Day Share Price2021/09/23 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.